AEON Credit Service (M) BhdXKLS:5139 +0.54%89 Days Payable is 43.84 as of Feb. 2026, which is 98% above its 10-year median of 22.10. GuruFocus rates XKLS:5139 with a GF Score™ of 89/100 and a GF Value™ of RM7.78 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 299 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 54.52% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AEON Credit Service (M) Bhd Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Days Payable distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Days Payable falls into.
AEON Credit Service (M) Bhd Days Payable Calculation
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AEON Credit Service (M) Bhd (XKLS:5139) has a Days Payable of 43.84 as of Feb. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 98% above median its historical median of 22.10. Over the past decade, AEON Credit Service (M) Bhd's Days Payable has ranged from 16.64 to 44.75. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #136 out of 299 companies in the Credit Services industry, placing it in the top 45.5%.
Is AEON Credit Service (M) Bhd's Days Payable too high?
AEON Credit Service (M) Bhd's current Days Payable of 43.84 is 98% above median its 10-year median of 22.10. Over the past 10 years, this metric has ranged from a low of 16.64 to a high of 44.75. The Credit Services industry median Days Payable is 33.87. AEON Credit Service (M) Bhd's value of 43.84 is 29.4% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #136 out of 299 companies in the Credit Services industry, which is above the industry midpoint. Overall, AEON Credit Service (M) Bhd has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AEON Credit Service (M) Bhd's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #136 out of 299 companies for Days Payable. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median Days Payable is 33.87. AEON Credit Service (M) Bhd's value of 43.84 is 29.4% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Days Payable has ranged from 16.64 to 44.75 over the past decade. While the company's 10-year median is 22.10 vs. the industry median of 33.87, AEON Credit Service (M) Bhd has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.87, based on 299 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current Days Payable of 43.84 is 29.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Days Payable is 33.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Days Payable is 43.84, which is 98% above median its own 10-year median of 22.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AEON Credit Service (M) Bhd stock overvalued right now?
Based on GuruFocus' analysis, AEON Credit Service (M) Bhd (XKLS:5139) is currently considered Modestly Undervalued. The stock's GF Value™ is RM7.78, compared to a current price of RM5.59 — trading 28.1% below its estimated fair value. The current Days Payable is 43.84, which is 98% above median its 10-year median of 22.10 and 29.4% above the Credit Services industry median of 33.87. AEON Credit Service (M) Bhd's overall GF Score™ is 89/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Days Payable is 43.84 as of Feb. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AEON Credit Service (M) Bhd (XKLS:5139) Overvalued in 2026?
Based on GuruFocus' analysis, AEON Credit Service (M) Bhd stock appears to be undervalued.
The current stock price of RM5.59 is trading 28.1% below its estimated GF Value™ of RM7.78.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
Days Payable: 43.84 (98% above median its 10-year median of 22.10)
GF Value™: RM7.78 vs. price of RM5.59 (28.1% below fair value)
Industry Position: 29.4% above the Credit Services median (#136 of 299)
No single metric tells the full story. See the XKLS:5139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AEON Credit Service (M) Bhd offers credit cards and other loans and financing options to consumers in Malaysia. It is engaged in the provision of easy payment schemes, personal financing schemes, and issuance of payment cards under the international brand names of Visa and MasterCard.
89GF Score
Get the complete analysis for XKLS:5139
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:5139 has been successfully added to your 
